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First NB in Alpine

Alpine, TX · Cert 16896

FDIC

Q4 2000

$244.5MAssets
$103.7MLoans
$215.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.44%, down 24 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 48.17% of deposits as of Q4 2000.

Return on Assets (YTD, annualized)

1.44%-24 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets1.80%1.69%1.62%1.67%1.84%2.23%1.95%1.44%-24 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)7.12%6.23%10.51%-1.95%1.31%5.03%0.37%225%+22,732 bps
Loan Growth (YoY)0.46%-1.54%1.21%8.36%4.89%11.50%9.65%192.40%+18,404 bps
Deposit Growth (YoY)1.94%4.21%9.02%1.60%5.21%6.37%0.50%222%+22,088 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits50.51%51.42%51.99%53.12%50.35%53.89%56.72%48.17%-495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a